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United Fire Group, Inc. logo

United Fire Group, Inc.

UFCS

NASDAQFinancial ServicesInsurance - Property & Casualty

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Previous close

$53.02

−$0.25 · -0.47%

Aug 21, 4:00 PM ET

UFCS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

83

Deep Value

Momentum

63

Gaining

Sentiment

69

Bullish

Risk resilience

74

Moderate Risk

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Company profile

Company website

Headquartered in Cedar Rapids, Iowa, United Fire Group, Inc. (UFCS) operates throughout the United States, specializing in property and casualty insurance solutions for both personal and commercial clients. The company's diverse portfolio includes commercial multiple peril, inland marine, and various commercial property and casualty coverages such as fire and allied lines, general liability, automobile, workers' compensation, and fidelity and surety bonds. For individuals, they offer automobile and fire and allied lines policies, including homeowners' insurance. Additionally, United Fire Group engages in assumed reinsurance. Distribution of these offerings occurs through a network of independent agencies. The firm has been providing these services since its establishment in 1946.

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US
CEO
Kevin James Leidwinger
Listed since
Mar 18, 1980
Employees
846

Market position

Day range

Current $53.02

52-week range

Current $53.02

Open
$53.565
Previous close
$53.27
Volume
111.63K
0.77× average
Average volume
145.78K
Average daily volume
Market cap
1.36B USD
Beta
0.51
Market reference 1
50-day average
$51.7254
+2.50% above average
200-day average
$41.9777
+26.31% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
948.85M USD
P/E (TTM)
9.69×
P/B (TTM)
1.39×
P/S (TTM)
0.92×
EV / EBITDA
5.58×
Earnings yield
12.32%
Free cash flow yield
27.46%
Dividend yield
1.36%

Profitability & efficiency

Gross margin
54.47%
Operating margin
12.01%
Net margin
9.57%
Return on equity
12.56%
Return on assets
3.08%
Return on invested capital
9.41%

Financial health

Debt / equity
0.15×
Current ratio
0.8×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends50%30%11%-8%Gross margin, FY2021: 19.02%Gross margin, FY2022: 13.95%Gross margin, FY2023: 7.64%Gross margin, FY2024: 18.05%Gross margin, FY2025: 44.86%Operating margin, FY2021: 9.17%Operating margin, FY2022: 1.22%Operating margin, FY2023: -3.62%Operating margin, FY2024: 6.15%Operating margin, FY2025: 10.67%Net margin, FY2021: 7.63%Net margin, FY2022: 1.52%Net margin, FY2023: -2.70%Net margin, FY2024: 4.95%Net margin, FY2025: 8.52%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 19.02%. Gross margin FY2022 13.95%. Gross margin FY2023 7.64%. Gross margin FY2024 18.05%. Gross margin FY2025 44.86%. Operating margin FY2021 9.17%. Operating margin FY2022 1.22%. Operating margin FY2023 -3.62%. Operating margin FY2024 6.15%. Operating margin FY2025 10.67%. Net margin FY2021 7.63%. Net margin FY2022 1.52%. Net margin FY2023 -2.70%. Net margin FY2024 4.95%. Net margin FY2025 8.52%.

Income trends

Revenue

1.39B USD+10.75%

Operating income

147.94M USD+92.04%

Net income

118.19M USD+90.76%
Income trends across reported periods1.53B USD958.57M USD388.12M USD−182.33M USDRevenue, FY2021: 1.06B USDRevenue, FY2022: 988.22M USDRevenue, FY2023: 1.1B USDRevenue, FY2024: 1.25B USDRevenue, FY2025: 1.39B USDOperating income, FY2021: 96.84M USDOperating income, FY2022: 12.08M USDOperating income, FY2023: −39.72M USDOperating income, FY2024: 77.03M USDOperating income, FY2025: 147.94M USDNet income, FY2021: 80.59M USDNet income, FY2022: 15.03M USDNet income, FY2023: −29.7M USDNet income, FY2024: 61.96M USDNet income, FY2025: 118.19M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.06B USD. Revenue FY2022 988.22M USD. Revenue FY2023 1.1B USD. Revenue FY2024 1.25B USD. Revenue FY2025 1.39B USD. Operating income FY2021 96.84M USD. Operating income FY2022 12.08M USD. Operating income FY2023 −39.72M USD. Operating income FY2024 77.03M USD. Operating income FY2025 147.94M USD. Net income FY2021 80.59M USD. Net income FY2022 15.03M USD. Net income FY2023 −29.7M USD. Net income FY2024 61.96M USD. Net income FY2025 118.19M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.39B USD1.25B USD1.1B USD988.22M USD1.06B USD
Cost of goods sold764.4M USD1.03B USD1.01B USD850.38M USD855.59M USD
Gross profit622.01M USD225.92M USD83.93M USD137.84M USD200.91M USD
Operating expenses474.07M USD148.88M USD123.65M USD125.76M USD104.06M USD
Interest income106.68M USD86.48M USD67.81M USD61.6M USD55M USD
Interest expense11.27M USD7.28M USD3.26M USD3.19M USD3.19M USD
Depreciation and amortization10.77M USD10.9M USD10.51M USD7.67M USD6.57M USD
Operating income147.94M USD77.03M USD−39.72M USD12.08M USD96.84M USD
Net income118.19M USD61.96M USD−29.7M USD15.03M USD80.59M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
91%
10 beats, 1 miss, 0 met estimates
Average EPS surprise
-76.30%
11 comparable reports
Latest EPS result
1.3
Estimate 0.69 · Beat by 87.59%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.571.210.860.5Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 11, 2025: actual 1.25, estimate 0.61, surprise +104.92%, Beat. Q2 2025, reported May 6, 2025: actual 0.7, estimate 0.62, surprise +12.90%, Beat. Q3 2025, reported Aug 5, 2025: actual 0.9, estimate 0.57, surprise +57.89%, Beat. Q4 2025, reported Nov 4, 2025: actual 1.5, estimate 0.69, surprise +117.39%, Beat. Q1 2026, reported Feb 10, 2026: actual 1.5, estimate 0.9, surprise +66.67%, Beat. Q2 2026, reported May 5, 2026: actual 1.16, estimate 0.87, surprise +33.33%, Beat. Q3 2026, reported Aug 3, 2026: actual 1.3, estimate 0.693, surprise +87.59%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 1.19, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates413.23M281.47M149.71M17.96MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 11, 2025: actual 331.74M USD, estimate 327.7M USD, surprise +1.23%, Beat. Q2 2025, reported May 6, 2025: actual 21.12M USD, estimate 345.13M USD, surprise -93.88%, Miss. Q3 2025, reported Aug 5, 2025: actual 336.58M USD, estimate 345.2M USD, surprise -2.50%, Miss. Q4 2025, reported Nov 4, 2025: actual 354.02M USD, estimate 332.34M USD, surprise +6.52%, Beat. Q1 2026, reported Feb 10, 2026: actual 341.05M USD, estimate 305.97M USD, surprise +11.46%, Beat. Q2 2026, reported May 5, 2026: actual 342.98M USD, estimate 340.16M USD, surprise +0.83%, Beat. Q3 2026, reported Aug 3, 2026: actual 354.13M USD, estimate 347.76M USD, surprise +1.83%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 384.18M USD, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.64

2025 complete year+6.7% since 2021

2026 partial: $0.40

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jun 5, 2026

$0.20

Quarterly

Record Jun 5, 2026 · Payment Jun 19, 2026

Dividend

Ex-dividend Feb 24, 2026

$0.20

Quarterly

Record Feb 24, 2026 · Payment Mar 10, 2026

Dividend

Ex-dividend Dec 5, 2025

$0.16

Quarterly

Record Dec 5, 2025 · Payment Dec 19, 2025

Dividend

Ex-dividend Aug 29, 2025

$0.16

Quarterly

Record Aug 29, 2025 · Payment Sep 12, 2025

Dividend

Ex-dividend Jun 6, 2025

$0.16

Quarterly

Record Jun 6, 2025 · Payment Jun 20, 2025

Dividend

Ex-dividend Mar 7, 2025

$0.16

Quarterly

Record Mar 7, 2025 · Payment Mar 21, 2025

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ETFs holding UFCS

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
71.72M
Weight
0.06%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
35.59M
Weight
0.11%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
35.48M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
30.51M
Weight
0.04%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
13.01M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
10.96M
Weight
0.08%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
10.93M
Weight
0.06%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%
Invesco S&P SmallCap Momentum ETF logoInvesco S&P SmallCap Momentum ETFXSMO
Market value
10.66M
Weight
0.35%
AUM
3.04B USD
Expense ratio
0.36%
Price / 1D
$86.05+0.54%

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